Special Notice

In response to the latest development of the epidemic in Macau and taking into account the preventive measure and control guidelines and recommendations of the Macau government, in order to avoid crowds, our customer service center at Avenida Doutor Mario Soares No. 320, Finance and IT Center of Macau, 8 Andar A,  will be temporarily suspend from June 21 to July 1. Related external services will be suspended until further notice. If you have any enquiries, please call our customer service hotline 2832 2622 or click the following link: https://corp.yflife.com/en/Contact-Us/ to visit our company website for enquiries. Sorry for any inconvenience caused.

The best way to care for yourself and show your love for your family is to have comprehensive medical insurance in place - because nothing is more valuable than good health.

Comprehensive Hospital & Surgical Plus gives you extra peace of mind, three optional extra benefits are available, including Extra Major Medical Benefit, Extra Cancer Benefit and Hospital Income Benefit.

Lifetime Coverage Till Age 100
No Claim Bonus
Worldwide Emergency Assistance Benefits
Extra Major Medical Benefit
Extra Cancer Benefit
Hospital Income Benefit
  • This yearly renewal plan offers a benefit term up to age 100
  • The coverage may be reviewed upon renewals1 in order to ensure adequate protection for you and to combat soaring medical costs. Renewal premium will be adjusted based on the attained age of the Insured and at the premium rate in effect of the same level of benefit at the time of renewal

Notes: 
1. A written notice will be given no less than 30 days prior to each policy anniversary date regarding the adjustment of benefit coverage, premium, or non-renewal of the policy. 

  • Provided that the policy has been in force for three consecutive policy years and no claims were made under the Hospital & Surgical Plus and Extra Major Medical Benefit, you will be entitled to a No Claim Bonus discount for both benefits upon paying the renewal policy premium
  • The discount is based on a percentage of the annual premium of the preceding year up to a maximum of 15%
  • Wherever in the world you happen to be, the plan is available around the clock and it offers free "Worldwide Emergency Assistance Benefits" in the event of an emergency
  • Instant assistance, including deposit guarantee for hospital admission and emergency evacuation, will be available through Inter Partner Assistance Hong Kong Ltd. 
  • If the actual hospital expenses2 incurred are in excess of those covered by Hospital & Surgical Plus, this Benefit will pay for a maximum reimbursement of over MOP / HK$440,000

Notes:
2. Cancer Treatment Benefit, Renal Dialysis Benefit, Home Nursing Benefit and Post-surgery Out-patient Treatment are not included. 

  • Provides adequate financial support for cancer therapy, with a maximum reimbursement of actual expenses per cancer up to MOP / HK$2,000,0003

Notes:
3. The followings are not included: 1) treatment undergone solely for complications and adverse effects of cancer treatment; 2) cost of surgical procedures except specifically covered; 3) room and board charges.

  • Provides a daily cash benefit4 of up to MOP / HK$1,200
  • While receiving treatment in an Intensive Care Unit, this Benefit will be doubled, up to MOP / HK$2,400 per day
  • 24-Hour coverage, available all around the world5

Notes:
4. The maximum combined daily benefit from both Hospital Income Benefit and Money-Back Hospital Income Protector for the same insured person with the Company is MOP / HK$1,200. And the maximum combined daily benefit from Hospital Income Benefit, Money-Back Hospital Income Protector, Lifetime Health Protector, Whole Life MediCare and Refundable Hospital Cash Plan for the same insured person with the Company is MOP / HK$2,000. The Company reserves the right to make adjustments of the maximum combined daily benefit without any prior notice. 
5. Hospital Income Benefit is available around the world, including North America, Europe, Australia, New Zealand, Japan, Singapore, Malaysia, Taiwan, South Korea, Hong Kong and Macau. For Confinement in other areas, half of the daily benefit is available, for up to a maximum of 90 days.

Issue Age (At Last Birthday)
Issue Age (At Last Birthday)

Hospital & Surgical Plus / Extra Major Medical Benefit / Extra Cancer Benefit:
Age 0 - 70

Hospital Income Benefit:
Age 0 - 65

Benefit Term
Benefit Term

Hospital & Surgical Plus / Extra Major Medical Benefit / Extra Cancer Benefit:
To Age 100

Hospital Income Benefit:
To Age 75

Premium Payment Term
Premium Payment Term

Hospital & Surgical Plus / Extra Major Medical Benefit / Extra Cancer Benefit:
To Age 100

Hospital Income Benefit:
To Age 75

Other Medical Products

You may also be interested in

Our website uses cookies to give you the best user experience. By continuing to browse the site, you are agreeing to our privacy policy. For details, please browse the relevant information in our website.

Accept & CloseX